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Inheritance Tax Solutions
Inheritance Tax of £170 000 each was payable in the year 2012-13 by estates according to HM Revenue and Customs. This is a 15% increase to the previous 12 months. You work so hard throughout your lifetime the last thing you want is for your beneficiaries to pay a potential 40% tax charge on your estate.
The inheritance tax bill is usually left to the estate to repay and a simple solution would allow the entire estate to be paid to the beneficiaries.
It is now more common than ever to put a place a joint life (Mr & Mrs) whole of life policy payable of second death. As this is payable on second death as opposed to first the premiums are generally a lot cheaper. The plan is also usually written in a discretionary trust therefore gets paid to the beneficiary as opposed to back into the deceased estate.
Please feel free to contact us and discuss all your options.
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Testimonials
"We have used the services of Sage Financial Management for the past year and we have found them to be extremely professional in their approach. The advice and guidance that we receive is honest, professional and reliable. They are always ready to find the time to meet with you and explain matters in full, in a manner that is appropriate. I will have no doubt in recommending them to friends and family."
Dr Baki, Delta Care Limited, Preston"Sage Financial Management has certainly been very helpful to me and my company. With issues such investments and pension planning I have reaped a lot sound and impartial advice. The advisers are always flexible on meeting arrangements to suit my busy schedule, and advice is in a simple language so it does not take me too long to analyse."
I Ahmed, Eye Care Optical, Director, Nationwide"Sage Financial Management provides an effective service that is tailored to the individuals needs. The service is performed in a professional, no-pressure manner. I have no hesitation in recommending them."
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